Latest Earnings Results: Q3 '26
Estimated EPS
$0.96
Reported EPS
$1.10
Surprise
+14.52%
Estimated Rev
$57.55M
Reported Rev
$57.53M
Surprise
-0.04%
• Reported GAAP EPS of $1.10 up 27.91% YoY • Reported revenue of $57.53M up 13.18% YoY
Bullish Takeaway
SmartFinancial reported annualized organic loan and core deposit growth, opened a full-service Columbus financial center, recorded quarterly operating revenue of $57.5M, and reported 15% annualized tangible book value growth excluding AOCI.
Bearish Takeaway
SmartFinancial's net interest margin declined as higher funding costs offset earning-asset yield improvement; noninterest expense increased, while SmartFinancial identifies technology and cybersecurity risks, including generative artificial intelligence risks.
Generated by Stocktwits using AI and company-reported earnings data for Q3 '26. This recap is intended to help readers understand the quarter quickly. Verify key figures in the linked source materials; the summary may contain errors and is not investment advice.
Historical Earnings
Quarterly
Annual
EPS
Revenue
| Fiscal Period | Estimated | Reported | Surprise | Result |
|---|---|---|---|---|
Q4 '26 | $1.01 | -- | -- | N/A |
Q3 '26 | $0.96 | $1.10 | 14.52% | BEAT |
Q2 '26 | $0.90 | $0.96 | 6.47% | BEAT |
Q1 '26 | $0.78 | $0.81 | 3.85% | BEAT |
Q4 '25 | $0.78 | $0.81 | 3.40% | BEAT |